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Browse umbrella insurance agents serving Spanaway, Washington. Contact information and addresses listed below.
6 agents listed
Updated May 2026
Spanaway, WA
Important: Listings are compiled from publicly available sources and have not been independently verified by BeforeInsuranceUSA.com. We do not endorse any agent or guarantee outcomes. Verify licensing and disciplinary status with the Department of Insurance of Washington before hiring.
Showing 6 umbrella insurance agents in Spanaway, WA
Listings are displayed in no particular order and are not ranked by BeforeInsuranceUSA. Order does not constitute a recommendation or endorsement of any agent.
Alan Rencowski - State Farm Insurance Agent
16120 Pacific Ave S ste a, Spanaway, WA 98387
(253) 536-1000
go2alan.com
Tom Hollandsworth - State Farm Insurance Agent
22225 Mountain Hwy E E, Spanaway, WA 98387
(253) 875-8290
tomhollandsworth.com
Tom Bennett: Allstate Insurance
222 162nd St S Ste 2, Spanaway, WA 98387
(253) 537-5777
agents.allstate.com
Farmers Insurance - Eva Miller
17501 Pacific Ave S ste a, Spanaway, WA 98387
(253) 537-1184
agents.farmers.com
TiffCo Insurance Inc
18407 Pacific Ave S #1, Spanaway, WA 98387
(253) 582-5451
State Farm
22225 Mountain Hwy E E, Spanaway, WA 98387
(253) 875-8290
Umbrella insurance agents in Spanaway, Washington help you add an extra layer of liability protection beyond your auto and home policies. Washington state law requires minimum liability limits for drivers, but an umbrella policy can cover larger claims or lawsuits. Local agents understand the unique risks for Spanaway residents, such as property liability on larger lots or recreational vehicle use.
What Does a Umbrella Insurance Agent in Spanaway Cost?
In Washington, umbrella insurance typically costs between 150 and 400 dollars per year for 1 million dollars of coverage. Higher limits, such as 2 million dollars, may cost 200 to 600 dollars annually. Actual premiums depend on your risk profile, number of properties, and driving record. This is general information, not insurance advice.
* Cost estimates are general ranges based on publicly available data and compiled using automated research tools. Actual fees vary by agent and case complexity. This is not insurance advice — consult directly with an agent for fee specifics.
Frequently Asked Questions
What does an umbrella insurance policy cover in Washington?
An umbrella policy provides additional liability coverage above your home and auto insurance limits. It can cover legal fees and damages for incidents like a serious car accident or an injury on your property. It does not cover your own property damage or intentional acts.
How much umbrella coverage do I need in Spanaway?
Most agents recommend at least 1 million dollars in umbrella coverage, but the right amount depends on your assets and risk. Washington courts can award large judgments, so higher limits may be wise if you own a home, rental properties, or have significant savings. Your agent can help assess your personal situation.
Do I need umbrella insurance if I have a standard home and auto policy?
Yes, because standard policies have liability limits that may not cover a major claim. For example, if a guest is seriously injured on your property, medical costs could exceed your home policy limit. Umbrella insurance steps in to cover the excess amount and legal defense costs.
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About Our Listings
Agents listed on BeforeInsuranceUSA.com are compiled from publicly available directories, state department of insurance records, and business listings. Inclusion does not constitute endorsement. We do not verify agent licensing, disciplinary status, or qualifications. Verify each agent's current standing with the Department of Insurance of Washington.